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3315 W Benjamin Holt Dr
Stockton, CA 95219

Premier Community Credit Union is headquartered in Stockton and is the 133rd largest credit union in the state of California. It is also the 1,268th largest credit union in the nation. It was established in 1931 and as of December of 2013, it had grown to 38 employees and 12,349 members. Premier Community Credit Union's CD rates are 3X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership at Premier Community Credit Union is open to anyone living or working in San Joaquin County including the following individuals, associations and groups that are part of our original membership charterr: *Employees, retirees and elected board officials of public and accredited or licensed private schools in San Joaquin County *Employees and retirees of J.R. Simplot Company *Members, employees and retirees of any active education associations in San Joaquin County *Students of higher education in San Joaquin County *Anyone related to an existing Premier Community member by blood, adoption or marriage - See Details

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Reviews (1)

Thinking Of Moving My Business From BBVA To Premier

Make deposits for my boss at Premier and have been very pleased with how they look at their customers as real people and not over charge like BBVA has done to me...My goal is to open accounts with them plus receive $25.00. Also, my boss will receive $25.00. That's my short term goal. My
Boss is very happy with Premier and has invited others to look into what they offer at Premier Credit Union because they are very helpful and fees are extremely fair.


Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Premier Community Credit Union had $1.75 million in non-current loans and owned real-estate with $12.73 million in equity and loan loss allowances on hand to cover it. This gives Premier Community Credit Union a Texas Ratio of 13.76% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Premier Community Credit Union experienced no significant changes from 9.47% as of December 31, 2012 to 13.76% as of December 31, 2013, resulting in a negative change of 45.35%. This indicates that the balance sheet and financial strength for Premier Community Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Premier Community Credit Union has increased its total deposits by $3.41 million, resulting in 3.07% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Premier Community Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Premier Community Credit Union has $126.97 million in assets with $12.73 million in equity, resulting in a capitalization level of 10.03%, which is above average.

Institution Statistics

NCUA #64515
Year Chartered1931
Primary Regulator
Assets and Liabilities
Assets$126.97 million
Loans$47.08 million
Deposits$114.39 million
Equity Capital$11.72 million
Loan Loss Allowance$1.01 million
Unbacked Noncurrent Loans$1.11 million
Real Estate Owned$639,000
Historic Data - December 2012
Assets$123.74 million
Equity Capital$11.84 million
Loan Loss Allowance$2.19 million
Unbacked Noncurrent Loans$1.11 million
Real Estate Owned$719,000
Profit Margin - Quarterly
Net Interest Margin5.37%
Return on Assets0.62%
Return on Equity6.73%
Interest Income$3.29 million

Always verify rates and promotions with the bank or credit union. We are not Premier Community Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Premier Community Credit Union Savings Account Rates

0.50%$100$30kInstallment Savings 37-60 Months
0.20%$100$30kInstallment Savings 12-36 Months
0.05%$25k-Share Savings
0.05%$25k-Christmas Club Account
0.05%$25k-IRA Savings
0.05%$25k-Roth IRA Savings
0.05%$25k-CESA Savings
0.05%--Treasure Hunters Savings Account
0.05%$25k-HSA Savings

Premier Community Credit Union Money Market Rates

0.10%$50k-Money Market
0.10%$25k-Diamond Money Market

Premier Community Credit Union Checking Account Rates

0.05%$25k-Interest Checking
0.05%$15k-Diamond Checking

Premier Community Credit Union CD Rates

3.00%$50$1kTreasure Hunter Certificate
3.00%$50$1kOMG! Add-on Certificate
1.10%$50k-60 Month Diamond Certificate
0.95%$100$10k60 Month Add On Certificate
0.95%$1k-60 Month Share Certificate
0.80%$1k-60 Month Bump-Up Certificate
0.80%$1k-60 Month Liquid Certificate
0.55%$50k-36 Month Diamond Certificate
0.45%$100$10k36 Month Add On Certificate
0.45%$1k-36 Month Share Certificate
0.40%$1k-36 Month Bump-Up Certificate
0.40%$1k-36 Month Liquid Certificate
0.40%$50k-24 Month Diamond Certificate
0.30%$100$10k24 Month Add On Certificate
0.30%$1k-24 Month Share Certificate
0.25%$1k-24 Month Bump-Up Certificate
0.25%$1k-24 Month Liquid Certificate
0.20%$50k-12 Month Diamond Certificate
0.15%$100$10k12 Month Add On Certificate
0.15%$1k-12 Month Share Certificate
0.15%$50k-6 Month Diamond Certificate
0.10%$1k-6 Month Share Certificate
0.10%$1k-12 Month Liquid Certificate

Premier Community Credit Union IRA Rates

1.10%$50k-60 Month Diamond IRA Certificate (Traditional,Roth,CESA)
0.95%$500-60 Month IRA Certificate (Traditional,Roth,CESA)
0.95%$100$10k60 Month Add On IRA Certificate (Traditional,Roth,CESA)
0.80%$1k-60 Month Bump-Up IRA Certificate (Traditional,Roth,CESA)
0.80%$1k-60 Month Liquid IRA Certificate (Traditional,Roth,CESA)
0.55%$50k-36 Month Diamond IRA Certificate (Traditional,Roth,CESA)
0.45%$500-36 Month IRA Certificate (Traditional,Roth,CESA)
0.45%$100$10k36 Month Add On IRA Certificate (Traditional,Roth,CESA)
0.40%$1k-36 Month Bump-Up IRA Certificate (Traditional,Roth,CESA)
0.40%$1k-36 Month Liquid IRA Certificate (Traditional,Roth,CESA)
0.40%$50k-24 Month Diamond IRA Certificate (Traditional,Roth,CESA)
0.30%$500-24 Month IRA Certificate (Traditional,Roth,CESA)
0.30%$100$10k24 Month Add On IRA Certificate (Traditional,Roth,CESA)
0.25%$1k-24 Month Bump-Up IRA Certificate (Traditional,Roth,CESA)
0.25%$1k-24 Month Liquid IRA Certificate (Traditional,Roth,CESA)
0.20%$50k-12 Month Diamond IRA Certificate (Traditional,Roth,CESA)
0.15%$500-12 Month IRA Certificate (Traditional,Roth,CESA)
0.15%$100$10k12 Month Add On IRA Certificate (Traditional,Roth,CESA)
0.15%$50k-6 Month Diamond IRA Certificate (Traditional,Roth,CESA)
0.10%$500-6 Month IRA Certificate (Traditional,Roth,CESA)
0.10%$1k-12 Month Liquid IRA Certificate (Traditional,Roth,CESA)

Premier Community Credit Union Locations
Branch Office3315 W Benjamin Holt DrStockton, CA 95219-3560
Branch Office2275 W Louise AveManteca, CA 95337
Branch Office504 W Lodi AveLodi, CA 95240-3425
Branch Office3255 W Benjamin Holt DrStockton, CA 95219-3706